1694 reviews

939.5% Representative

Will lend between: £200 - £1,500

Over: 2 - 6 Months

Representative example: Representative Example: If you borrow £400 for 4 months. Total: £597.48. Interest £197.48. Interest rate 255.5% pa (fixed). Repay £149.37 for 4 payments. Representative 939.5% APR.

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  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
Check Eligibility customer reviews.

1694 reviews

4.8 out of 5 stars

Decent Service
09:31 27-07-2017
ImageChoose Wisely

very easy process, all online, no problems or issues highly recommended if in need of short term cash

Nick W

Quick and easy
05:24 11-05-2018
ImageSmart Money People

I need to buy a car for work money boar help me less then 10 minutes got acepted and in couple hours got the money on my bank. And love the fact they send reminders that's very helful :) Thank moneyboat i highly recomend u :)

Ana torres

Great Service
16:42 24-07-2017
ImageChoose Wisely

Would reccomend this service to anyone


Straight forward- professional
12:47 29-03-2018
ImageSmart Money People

Simple and Straight forward, professional service. My second loan and again, swift no nonsense process using seamless technology and electronic facilities. Definately recommended.


trustworthy lender.
20:15 19-04-2017
ImageChoose Wisely

They do what they say they will. Easy to communicate with and listen to what you say. thank you MoneyBoat.

Keep Private

A human touch
17:59 06-03-2018
ImageSmart Money People

The great thing about Moneyboat is that they take things on their merits rather than just number crunching and "computer says no".


best service ever. quick and friendly
18:19 22-03-2017
ImageChoose Wisely

Realy amazing customer service!! I was short a bit this month and they were happy to help,! Thank you so much!! I wish i found them first!


Easy to apply no phone calls rapid response
21:00 28-02-2018
ImageSmart Money People

Quick easy application easy to apply answer in minutes


You can count on
18:23 28-02-2018
ImageSmart Money People

Good service and you can really count on them when you’re in need


Great service
20:15 26-02-2018
ImageSmart Money People

The money boat is a great company and the service is great they are quick, reliable and would recomend to everyone . The staff are friendly to . Thank you


Our review of

Based in London and part of Evergreen Finance London Limited, are a transparent and flexible provider of high-cost short-term loans. offer one of the cheaper high-cost short-term loans at an interest rate of 0.7% a day rather than the more common 0.8% (which is the price cap set by the FCA). don't charge any fees for arranging the loan or repaying it early, however, there are charges for missed payments – this is a flat fee along with any daily interest that is accrued. are very transparent about these fees and they shouldn’t come as a surprise if you do happen to miss a payment.

As with any high-cost short-term product the usual warning applies. If you have any doubt whether you can afford to repay your loan on time and in full, then don’t apply. By missing or being late with repayments, you will not only harm your credit file but could be subject to a number of fees, which can soon make things very expensive.

Overall verdict: If you’re set on a high-cost short-term loan then with strong reviews and a reasonable price point (for this type of product) are a serious contender. Just ensure you can meet the repayments before you apply.

Written by: Alex


  • Competitive representative APR
  • You can repay early with no extra charge or fee
  • Transparent information about their charges
  • Returning customers can borrow up to £1,500
  • Fixed repayment instalments

Minimum criteria

  • You must be employed full or part time
  • You must earn a minimum net monthly pay of £1,000
  • You will need to be aged 18 or over
  • You must have an email address


  • Maximum APR 939.5%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £15 Customer Question & Answers

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About are a short term loan provider offering loans of between £200 and £800 to new customers and up to £1500 for existing customers (subject to passing credit and affordability checks).’s representative APR is 939.5% and they have a flat interest rate of 0.7% a day. Loans are repaid over a minimum term of 2 instalments and a maximum of 6 months. The minimum instalment duration for the first instalment is 5 days with the maximum term between instalments being 45 days. 

When applying with Moneyboat, applications are completed online and passed to’s underwriting team who are available to process the loan during the weekday working hours of 8:30am and 5:30pm. To be eligible for a loan with you will need to be over 18, be employed either full or part time and earn at least £1,000 per month. 

Company information

Registration number: 07669210


Evergreen Finance London Ltd t/a 5 Broadbent Close, Highgate. N6 5JW

FCA registration

Reference No: 674154

Place of business: Evergreen Finance London Ltd t/a 5 Broadbent Close, Highgate. N6 5JW

Data protection registration

Registration No: Z3596140

Data controller: Evergreen Finance London Limited

Address: Evergreen Finance London Ltd t/a 5 Broadbent Close, Highgate. N6 5JW

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Warning: Late repayment can cause you serious money problems. For help, go to